One ledger. Every cent.

How it works

From a text message to a clean record.

1. The message arrives

SJK4T7Q2LM Confirmed. Ksh1,250.00 paid to NAIVAS SUPERMARKET on 29/9/26 at 6:42 PM. New M-PESA balance is Ksh8,410.50.

2. Rekodi reads it

Amount KES 1,250.00 · Paid to Naivas Supermarket · Category Groceries · Wallet M-Pesa.

3. You approve, it's booked

Fuliza, bank alerts and transfers between your own wallets are grouped, not double-counted.

Personal

Know what you can actually spend today.

Wallets that match reality

M-Pesa, bank, cash, Fuliza and loans — each with its own balance and currency.

Budgets that keep count

Set a limit per category and see what is left for the rest of the month.

Lent and borrowed

Who owes you, who you owe, and the transaction fees that went with it.

Savings goals

Put money aside without losing sight of it.

Business

A till, a stockroom and a books-keeper.

Sell in seconds

Tap, search or scan items. Customer name and phone if you want them.

Stock that counts itself

Every sale takes it off the shelf; restocks put it back.

Suppliers and credit

What you bought, from whom, and what is still owed.

Your team, your rules

Staff sign in with their own accounts and only see what you allow.

Your numbers stay yours.

Locked on your phone

A PIN or your fingerprint opens the app. The data on the phone is encrypted.

Sealed on the way

Amounts and names travel encrypted between the app and our servers.

Never sold

We don't share or sell what you record. It's your ledger, not our product.

Questions

Good to know.

Is Rekodi for personal use or for my business?

Both, in the same app. Switch between your personal and business accounts any time — your salary and your shop's till never mix.

Do I need internet to use it?

No. Record a sale or an expense with no signal and Rekodi syncs once you're back online.

Does it read all my messages?

Only money messages from M-Pesa and banks, and only when you ask it to import them. You approve each batch before anything is saved.

Can I track more than one currency?

Yes. Every wallet has its own currency, and the rate is recorded at the moment money moves between them.

What does it cost?

Starting is free. Bigger businesses can move to a paid plan for more records, staff and an online shop.

How to use Rekodi

• Getting started — Create your account, verify your email, set your PIN, move between your personal and business books and set your opening hours.
• Wallets — A wallet is any place you keep money: cash, M-Pesa, a bank account, a Sacco or a loan like Fuliza.
• Recording money — Income, expenses and transfers: how to record them fast, fix them and keep them in the right category.
• SMS import (phone app) — On Android, Rekodi reads your M-Pesa and bank messages and turns them into entries you approve.
• Budgets and savings goals — Set spending limits per category and save towards goals.
• Lent & Borrowed — Keep track of money you lent to people and money you owe, including transaction fees.
• Business: selling — Make sales with the cart, sell on credit, give discounts and print or send receipts.
• Business: inventory and purchases — Add products, use the shared catalogue, snap photos to add items and restock with purchases.
• Business: discounts — Run product deals, buy N or more deals, buy-together offers, weekend offers and store-wide sales.
• Business: team and reports — Give staff their own login with the right permissions, and see how the business is doing.
• Business: capital and reserve — Money the owner puts in or takes out, and money set aside that is not for spending.
• Virtual shop (Enterprise) — Let customers near you find your shop, order and pay online. Part of the Enterprise plan.
• Shopping near you — Find shops and products around you, order, pay and keep it in your books.
• Marketplace and personal pages — Buy and sell personal items and support donation pages. Money goes straight to the owner by M-Pesa.
• Plans and payments — What each plan unlocks, how to pay with card or M-Pesa, and how renewal works.
• Security and privacy — Your PIN, auto-lock, fingerprint, encryption and what to do if you forget your PIN.
• Troubleshooting — Quick fixes for the most common problems.
• All guides